Good question. The new iPhones do not come locked unless it is a prepaid device you purchased. If it was prepaid, you need to buy a month of prepaid service to get the device unlocked.
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Wait - I thought all Verizon 4G phones were factory unlocked straight out of the box? You should be able to pop a SIM card from any prepaid carrier into the 6 Plus and get service immediately. No need for unlock codes or any fussing.
I know that not all 4G phones are unlocked. Most are locked at least until the device is paid in full. I find it reassuring that my device is unlocked being that it is paid for though